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The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness Hardcover – September 17, 2013

4.7 4.7 out of 5 stars 21,447 ratings

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Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite finance coach, Dave Ramsey.

By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for.

The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to:

  • Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method
  • Break bad habits and make lasting changes when it comes to your relationship with money
  • Recognize the 10 most dangerous money myths
  • Secure a healthy nest egg for emergencies and set yourself up for retirement
  • Become financially healthy for life
  • Live like no one else, so later you can LIVE (and GIVE) like no one else!

This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality.

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From the Publisher

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Total Money Makeover - Expanded and Updated Edition TMM: Workbook TMM: Journal La Transformacion Total De Su Dinero de Dave Ramsey
The Total Money Makeover: Updated and Expanded Edition The Total Money Makeover Workbook: Classic Edition The Total Money Makeover Journal The Total Money Makeover: Spanish Edition
Customer Reviews
4.7 out of 5 stars
21,447
4.7 out of 5 stars
5,629
4.5 out of 5 stars
144
4.6 out of 5 stars
764
Price $16.99 $15.99 $6.04 $14.39
Discover the full suite of Total Money Makeover titles The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. Ready to apply everything you learned in The Total Money Makeover? This essential companion workbook is full of inspiring real-life stories and thought-provoking questionnaires. This is the reset you’ve been searching for When Dave Ramsey was undergoing his own total money makeover, he found that journaling was an effective way to see the big picture. Now, discover patterns in your spending and tackle the source of bad money habits by journaling through your journey. Usted PUEDE tomar control de su dinero. Fortalezca sus músculos financieros con el entrenador monetario favorito de Estados Unidos: Dave Ramsey.

Editorial Reviews

About the Author

Dave Ramsey is an eight-time No. 1 national best-selling author, personal finance expert and host of The Ramsey Show, heard by more than 18 million listeners each week. He has appeared on Good Morning America, CBS Mornings, Today Show, Fox News, CNN, Fox Business, and many more. Since 1992, Dave has helped people regain control of their money, build wealth and enhance their lives. He also serves as CEO for the company, Ramsey Solutions.

Product details

  • Publisher ‏ : ‎ Thomas Nelson; 1st edition (September 17, 2013)
  • Language ‏ : ‎ English
  • Hardcover ‏ : ‎ 272 pages
  • ISBN-10 ‏ : ‎ 1595555277
  • ISBN-13 ‏ : ‎ 978-1595555274
  • Item Weight ‏ : ‎ 1.36 pounds
  • Dimensions ‏ : ‎ 7.6 x 1.02 x 9.55 inches
  • Customer Reviews:
    4.7 4.7 out of 5 stars 21,447 ratings

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Dave Ramsey
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Dave Ramsey is America’s trusted voice on money and business. He’s a #1 National bestselling author and host of The Ramsey Show, heard by more than 18 million listeners each week. Dave’s eight national bestselling books include The Total Money Makeover, Baby Steps Millionaires, and EntreLeadership. He has appeared on Good Morning America, CBS This Morning, Today, Fox News, CNN, Fox Business and many more. Since 1992, Dave has helped people take control of their money, build wealth, and enhance their lives. He also serves as CEO of Ramsey Solutions.

Customer reviews

4.7 out of 5 stars
21,447 global ratings

Customers say

Customers find the book great at confirming their thought processes and helping them gain financial freedom. They also say the steps in the book are easy to understand and thoroughly detailed. Readers also appreciate the content as awesome, sound, and relatable.

AI-generated from the text of customer reviews

718 customers mention "Practical advice"673 positive45 negative

Customers find the book great at confirming their thought processes and how to handle money. They say the concepts are explained in a way that makes financial advice easy to understand. Readers also say it's helpful for financial advice, with inspirational real-life people stories. They also say the book does a great job destroying myths and improving marriages.

"...The language is clear, and concepts are explained in a way that makes financial management accessible for everyone.'..." Read more

"...money is your mindset and this book does a great job of destroying those myths that make up our damaged mindset of finances and wealth." Read more

"...I enjoyed his writing and found the information to be helpful so I decided to purchase my own copy to reference at home...." Read more

"...It's designed for every age and walk of life. My only complaint is that I have heard most of this material already on his podcast...." Read more

380 customers mention "Readability"344 positive36 negative

Customers find the book easy to understand, refreshingly practical, and straightforward. They also appreciate the clear outline and resources provided. Customers say the book is hard to put down and completely eye opening.

"...This book doesn't just provide advice; it offers a step-by-step guide to transforming your financial life.Clear Action Steps:..." Read more

"...helpful debt relief and budgeting advice available, easy to read and understand and implement. You just have to be dedicated!" Read more

"...He doesn't beat around the bush. He provides step-by-step information on getting yourself out of debt and what to do if you have a crisis while you..." Read more

"The book is quite good and well outlined. I especially like the real life examples and simple steps Dave recommends to get your finances in order...." Read more

36 customers mention "Content"26 positive10 negative

Customers find the content awesome, intelligent, and relatable. They also say the book provides good, sound advice and Biblical concepts on how to handle finances.

"...It is a fairly simple approach, nothing profound, just a strategic and disciplined approach...." Read more

"Easy to read! The author does a great job of being human and not making it like he’s some know it all and you’re an idiot...." Read more

"...First, there is a lot of “fluff” meaning endless side stories, testimonials, and “this is what happened to Bob and Jen.”..." Read more

"...It is so worth the price. Dave Ramsey is an extremely intelligent man...." Read more

34 customers mention "Gift books"34 positive0 negative

Customers find the book a great gift to give to friends. They also say the recipient is enjoying it and that it's a very good way for everyone to live.

"This is a fantastic gift for anyone!" Read more

"...Great gift for newlyweds and those wanting to get out of debt and begin wealth building." Read more

"...Great book to give as a gift as well, this is the best thing you can do for somebody that's having financial difficulties, even better than giving..." Read more

"...This in and of itself makes it the perfect gift for others who have not heard of Dave and those who have alike!..." Read more

27 customers mention "Usability"27 positive0 negative

Customers find the book's advice to be simple and effective. They also say the steps in the book work.

"...This method works!!..." Read more

"...This advice works. The steps work! And the sacrifices while difficult are well worth it in the end...." Read more

"...offers in the makeover are basic but very well thought out and effective...." Read more

"...Whether or not you believe in the authority of the Bible, the strategies work." Read more

"If You Will Live Like No One Else, Later You Can Live Like No One Else."
5 out of 5 stars
"If You Will Live Like No One Else, Later You Can Live Like No One Else."
I've always been interested in my finances and my husband and I jointly manage our family's finances so we both know what's going on. A friend at church was talking about Dave Ramsey and I had never heard of him before so I decided to look him up and see what kinds of books he wrote. I found this book to be a popular choice of his and I didn't know how much of it would interest me so I ended up borrowing it from the library initially. I enjoyed his writing and found the information to be helpful so I decided to purchase my own copy to reference at home.The Total Money Makeover is a personal finance book written by Dave Ramsey. Ramsey is a financial expert as well as a Christian who has had his own money troubles in the past. He's overcome them and learned from his mistakes so he's passed along his wisdom in these pages. There are also many stories of people who have been in a tough spot financially who used this book to get themselves out of debt. This book is 237 pages long, contains 13 chapters, worksheets and a full index.I found this book to be helpful and I really enjoyed reading it! Dave Ramsey writes in a no-nonsense fashion and if he says something is stupid or a bad idea, he will say exactly that. He doesn't beat around the bush. He provides step-by-step information on getting yourself out of debt and what to do if you have a crisis while you are working on getting yourself out of debt (he also refers to Murphy's Law quite a bit so something will always happen). I like how he tells us what types of companies, funds, etc to avoid and what ones are good ones. Even though he knows a lot about investments, he doesn't provide extensive investment information in this book but he does give some information on what types of funds he thinks are best based on trends.I enjoyed this book so much that I told my sister about it and she said she wanted to read it too so I bought one for her and one for myself. I've told others about the book and I think it is helpful, no matter what your financial situation is. Some parts of the book didn't apply to us but I found the second half of it to be especially informative which is why I decided to buy a copy. Unless you already have millions of dollars in the bank and have all of your finances under control (retirement, investments, kids' college education, etc.), I think you'll find the information in this book to be useful.If you have a lot of credit card debt and loans and want to get your finances under control, I highly recommend this book. Even if you don't have a lot of debt but you want to find a smarter way prepare for your kids' college education, this is a great book to read. It's very informative and you can also borrow a copy from a friend or the library first before you buy your own. I'm glad I bought it because the small investment in this book has caused us to take a closer look at our finances and see what we can do better. Overall, I feel it's worth the money and time to buy and read this book so you have a financially-fit future!
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Top reviews from the United States

Reviewed in the United States on May 19, 2024
If you don't manage your money, the lack of it will manage you!

We were literally a DAY away from bankruptcy when, in desperation, I called Ramsey's group and was immediately put in touch with a certified counselor, who told us to hang on... help was on the way. He ordered a Financial Peace University home study kit, DVDs and all, shipped to us at no cost. It blew our minds and changed our trajectory.

Fast forward a year and my sister was at the end of her financial rope. We ordered a kit shipped to her... and it changed HER trajectory. Now, twenty years later, we've helped untold numbers of people get their finances in order... and who knows how many people they've helped?

We've made a habit of buying The Total Money Makeover for the graduating seniors in our church's youth group, to help them get off to a good start. We once gave one as a wedding gift: and received a glowing thank you card, saying that of all the gifts they'd received, ours was the most thoughtful and valuable.

If you aren't familiar with the Debt Snowball, with sound investing and avoiding the credit sharks, GET THIS BOOK and prepare to get busy knocking out debt. Then buy the book for others - when you can, donate a case to your local shelter for abused spouses and children; and crisis pregnancy center. The result will be creating a stronger, more prosperous and confident community... one family at a time.
11 people found this helpful
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Reviewed in the United States on July 22, 2024
Most helpful debt relief and budgeting advice available, easy to read and understand and implement. You just have to be dedicated!
Reviewed in the United States on July 15, 2024
The first step to understanding money is your mindset and this book does a great job of destroying those myths that make up our damaged mindset of finances and wealth.
2 people found this helpful
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Reviewed in the United States on July 23, 2024
Product received with errors however company was quick and courteous to resolve.
Reviewed in the United States on June 9, 2024
We have followed the total money makeover and we are now out of debt other than $100k on our home. This book is so helpful to rein in the spending problems so many of us deal with and give you the steps needed to get out of debt. So worth it!
4 people found this helpful
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Reviewed in the United States on May 11, 2024
Used this to help my grandsons financial future.
Reviewed in the United States on June 28, 2024
THIS BOOK TEACHES YOU HOW TO LIVE
Reviewed in the United States on June 21, 2024
Recommend for anyone in debt or not

Top reviews from other countries

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Fatima E
5.0 out of 5 stars Great book, eye opener on your financial health
Reviewed in Canada on May 8, 2024
This book seems like it really helped my partner and I to better understand our finances and attempt to be financially free within a few years. After reading his book, becoming a millionaire is actually doable and his goals are realistic. Great insight even if you enjoy reading about other method!
One person found this helpful
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Client Kindle
5.0 out of 5 stars Article conforme
Reviewed in France on June 2, 2024
Ça fait moment que je suis Dave Ramsey et je suis convaincue par sa méthode, je cherchais son livre en édition physique. Il est arrivé avant la date prévue et en très bonne état pour jn livre d’occasion, on dirait un livre neuf. Vendeur très sérieux, je recommande.
Akash Ghosh
5.0 out of 5 stars Finance King👑
Reviewed in India on March 21, 2024
Just loved it, so simple to understand the story given there is so inspiring and valuable. Deep Respect for the Author 🙏🏻
One person found this helpful
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steven docherty
5.0 out of 5 stars Great book, great guy, great advice.
Reviewed in the United Kingdom on August 19, 2023
Been following Dave Ramsey on Tiktok and have learned a lot from him. Purchased his book and it did not disappoint.
4 people found this helpful
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Amazon Customer
5.0 out of 5 stars Interessant und einfach erklärt
Reviewed in Germany on August 12, 2023
Dave Ramsey kenne ich schon länger vom Podcast. Hat mit einer Radiokarriere angefangen und sich als Schuldnerberater der USA bekanntgemacht. Da er selbst als Immobilienmillionär alles verloren hatte und wieder von Null anfangen musste, kann er gut zu dem Thema etwas sagen. Das Buch gibt es leider nur in Englisch aber es zeigt übersichtlich dar, wie man seine Finanzen in den Griff bekommt und Vermögen aufbaut. Es gibt diese sogenannten 7 Babysteps. Erst Schulden abbezahlen und dann nach und nach weiter aufbauen. Es ist für amerikanische Verhältnisse geschrieben (vor allem was Rente etc. betrifft) für uns Deutsche nur bedingt geeignet, da wir ein anderes Sozialsystem haben. Aber trotzdem kann das Buch hilfreich sein, wenn man seine Finanzen ordnen und in den Griff bekommen möchte.
5 people found this helpful
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